A Credit Bureau is a company that plays a pivotal role in tracking and maintaining your credit history. Registered Credit Bureaus collect data from various credit providers and lenders about your financial behaviour, such as how you manage your accounts and repayments. They also record actions taken against you for non-payment, for example. A comprehensive credit history report (by law…

Your credit score can be influenced by several key factors including the following:  Understand and take note of the above factors and manage your credit profile wisely as this can help you maintain or improve your credit score/rating.  ThreeSixty.me. Keep Track of Your Financial Wellness.

Your credit score is a critical numerical number that can affect your financial goals or credit applications and opportunities. A higher rating can open the door to better interest rates, higher credit limits, and more. If you’re looking to boost your credit rating, here are some tips to consider that can help get you started:  First things first, if you…

Your credit profile is like your ‘financial resume’. It’s not only a record of your past financial decision makings, but it plays a critical factor when you apply for credit like loans or credit cards.   When you apply for the opportunity to borrow money, your credit history on your profile will take center stage. Companies do a credit history check…

As highlighted by the credit industry’s governing body, the National Credit Regulator (NCR), there are varying retention periods connected to the different categories of your credit information:  Credit Info – Consumers:  Holding Time Period – Details:   Information and outcomes of complaints by you, the consumer.    18 Months   Credit information requests – the number of requests made on your record, including…

Your credit report portrays an insightful picture about your borrowing habits and financial management. Here’s a straightforward breakdown:  What’s Inside a Credit Report? What is Recorded or Portrayed?  Judgments and Defaults Matter: What’s Not in Your Credit Report?  Understanding your credit report is a vital step in managing your financial health. At ThreeSixty.me, we’re here to empower you with insights…